Chase Freedom Unlimited card rewards and benefits

The Chase Freedom Unlimited Credit Card is a popular choice among U.S. consumers due to its flexible and attractive rewards program, as well as additional benefits like purchase protection and introductory bonuses.

In this article, we’ll explore how to apply for this card, the benefits it offers, its interest rates and APR, rewards categories, and more.

How to apply

Applying for the Chase Freedom Unlimited Card is a simple process that can be done online or at a physical branch. Here is how you can do this:

Online:

1. Visit the Official Website: Visit the official Chase website.
2. Choose Card: Navigate to the credit cards section and select Chase Freedom Unlimited.
3. Fill Out the Form: Click “Apply Now” and fill out the request form with your personal and financial information.
4. Submit the Request: Submit your request and wait for approval, which can happen in minutes or take a few days.

At an Agency:

1. Visit a Chase Branch: Go to your nearest Chase branch.
2. Request a Form: Get a credit card application form.
3. Complete and Submit: Complete the form and submit it to the bank representative.
4. Wait for Approval: Approval may be immediate or take a few days, depending on the credit analysis.

Benefits

The Chase Freedom Unlimited Card offers a number of benefits that make it an attractive choice for many consumers:

Flexible Rewards:

• 1.5% cashback on all purchases.
• 5% cash back on travel purchased through Chase Ultimate Rewards.
• 3% cashback on meals, including takeout and delivery.
• 3% cashback on purchases at pharmacies.

Purchase Protection: Coverage against damage or theft of new purchases for up to 120 days, with a limit of $500 per claim and $50,000 per account.

Extended Warranty Protection: Extension of the U.S. manufacturer’s warranty period by an additional year on eligible warranties of three years or less.

Trip Cancellation/Interruption Insurance: Reimbursement of up to $1,500 per person and $6,000 per trip for prepaid, non-refundable tickets if your trip is canceled or interrupted due to illness, severe weather or other covered situations.

Interest Rate and APR

The Chase Freedom Unlimited Card’s interest rates and APR are competitive and offer significant benefits:

• Introductory APR: 0% APR on purchases and balance transfers for 15 months .
• Regular APR: After the introductory period, the APR rate varies between 20.49% and 29.24%, depending on your credit ​.

Introduction Bonus

New Chase Freedom Unlimited Cardholders can take advantage of an attractive intro bonus:

• $200 Bonus: Get a $200 bonus when you spend $500 in the first three months from account opening .
• Additional Cashback: Earn an additional 1.5% cashback on all purchases (up to $20,000) during the first year, totaling up to an additional $300.

Rewards Categories

The card offers generous rewards across multiple categories, which include:

• 5% cash back on travel purchased through Chase Ultimate Rewards .
• 3% cashback on meals and pharmacies ​.
• 1.5% cashback on all other purchases .

Foreign Transaction Fees

The Chase Freedom Unlimited Card has one notable drawback for international travelers:

• Foreign Transaction Fee: The card charges a 3% fee on all transactions made outside the United States .

Purchase Protection

In addition to rewards benefits, the card offers robust purchase protection:

• 120 days of coverage against damage or theft of new purchases, with a limit of $500 per claim and $50,000 per account.
• Extended Warranty : Extends the manufacturer’s warranty for an additional year on eligible warranties of three years or less.

Is the Chase Freedom Unlimited card worth applying for ?

The Chase Freedom Unlimited Card is an excellent choice for those who want to maximize their rewards across a variety of everyday spending categories. With an attractive intro bonus, consistent rewards, and robust purchase protection, it stands out as a worthy option.

However, the foreign transaction fee can be a deterrent for frequent travelers. If you value everyday rewards and benefits more than international travel perks, this card is a great addition to your wallet.

Contact Chase Freedom Unlimited

For more information or assistance with your Chase Freedom Unlimited Card, you can contact customer service at:

• Telephone: 1-800-432-3117.
• Online: Visit the customer service section on the official Chase website for chat support.
• Branches: Visit a Chase branch for in-person service.

The Chase Freedom Unlimited Credit Card is a robust choice for consumers who want to maximize their everyday rewards and enjoy additional benefits like purchase protection and extended warranties.

With an attractive introductory APR rate and a generous intro bonus, this card offers great value for those who meet the credit requirements and don’t mind the foreign transaction fee. Evaluate your spending habits and personal needs to decide if this card is right for you.